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Lifestyle and Technology

Seven ways to save money on your mortgage

In a perfect world, your bank would let you know every time there was an opportunity for you to save money. But the world isn’t perfect so it’s up to you to stay on top of your home loan. It could save you thousands of dollars. How? Here are seven things to consider.

Housing Market

House price stability and interest rates

In this article I’m focusing on the idea of debt-to-income ratios. It is likely that they will be a key tool used by the Reserve Bank to meet its new house price stability objective.

Housing Market

House price boom turns to construction boom

Growing house construction is a substantial boom for the economy through extra business for materials manufacturers and distributors, architects, inspectors and so on.

Housing Market

Honeymoon offers and 1.99%; why it's important to look beyond the headline

If you’re familiar with us, you’ll know that at Squirrel we don’t like to pull punches so here goes. Heartland Bank came out with a staggering mortgage rate of 1.99% fixed for 1-year. Naturally everyone got excited, but what is it actually? Since then, no other banks have followed.

Housing Market

Why property investors should consider refinancing

There are numerous reasons to regularly review your mortgages and make sure you still have the right overall solution for your lending. Part of that includes not putting all your eggs in one basket, and splitting your lending across different banks to avoid sticky situations.

Housing Market

Professional property investing when a home loan is no longer a home loan

As a general rule of thumb, any property investor who has at least six rental properties is viewed as a "professional" property investor through the eyes of the bank. And the way these investors are treated by the banks is markedly different to someone whose main income is not from property.

Housing Market

Investing in property in a tight credit market

There’s no doubt that there will be some good buying opportunities over the next twelve months. To make the most of them you will need to be cashed up and ready to pounce. It’s about having the confidence, knowing you can land the deal, but also not misreading your lenders and their lack of appetite for risk.

Housing Market

The good and bad of business banking

Business banking can be tricky. Depending on the bank and the bank manager you’re dealing with it can be as straight forward as a personal transaction, or it can feel like you’re being put on trial for a crime you didn’t commit.

Housing Market

The First Home Loan, and how to get one

There’s been a lot written about the 'First Home Loan’ programme in the press recently, particularly around changes to the deposit requirements. We thought it would be a good time to cut through some of the noise around these loans and explain what it means for your average first home buyer.

Housing Market

The Emergence of the Non-Bank

I've been amazed by the growth I've seen in the non-bank lending sector over the last 18 months, and I see this trend continuing, for a number of reasons.

Housing Market

Commercial and development pricing explained

Working with development and commercial property funding, price is often an obstacle that I come up against. Many people have little understanding of how risk-based pricing works, and it can come as a bit of a shock when pricing is uncovered.

Lifestyle and Technology

Five reasons to review your mortgage now

A mortgage isn't something you set and forget. It should be reviewed regularly with the ups, downs, plot twists of life and interest rate fluctuation. Especially if you want to pay it off as fast as possible and save money on interest. If you haven't had yours reviewed in a while, here are 5 simple things to consider.

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